Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Enterprise Bank & Trust of Clayton, MO reported 553 mortgage applications totaling $150.9 million, up 23% from 2006. The average application was for $272,936, and applicants reported an average income of $152,927. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (345), Kansas City, MO-KS (166) and Chicago-Naperville-Joliet, IL (2) (applications in parentheses).
| Mortgage Company & Address | Enterprise Bank & Trust 150 N. Meramec Ave. Clayton, MO 63105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 553 |
| Total Mortgage Loan Application Amount | $150,934,000 |
| Average Mortgage Loan Application Amount | $272,936 |
| Highest Mortgage Loan Application Amount | $8,250,000 |
| Average Applicant Income | $152,927 |
| Highest Applicant Income | $3,918,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, Missouri | 195 | $ 65,915,000 | $ 338,025 | $ 161,000 |
| St. Charles, Missouri | 89 | $ 17,828,000 | $ 200,314 | $ 108,000 |
| Jackson, Missouri | 69 | $ 11,256,000 | $ 163,130 | $ 80,000 |
| Johnson, Kansas | 49 | $ 18,185,000 | $ 371,122 | $ 200,000 |
| St. Louis City, Missouri | 40 | $ 8,946,000 | $ 223,650 | $ 145,000 |
| Clay, Missouri | 28 | $ 4,178,000 | $ 149,214 | $ 82,000 |
| Jefferson, Missouri | 10 | $ 1,299,000 | $ 129,900 | $ 131,000 |
| Platte, Missouri | 7 | $ 1,773,000 | $ 253,285 | $ 67,000 |
| Lincoln, Missouri | 6 | $ 1,113,000 | $ 185,500 | $ 60,000 |
| Camden, Missouri | 4 | $ 1,247,000 | $ 311,750 | $ 233,000 |
| Cass, Missouri | 4 | $ 343,000 | $ 85,750 | $ 55,000 |
| Miami, Kansas | 3 | $ 1,062,000 | $ 354,000 | $ 57,000 |
| Perry, Missouri | 3 | $ 565,000 | $ 188,333 | $ 244,000 |
| Maricopa, Arizona | 2 | $ 1,950,000 | $ 975,000 | $ 209,000 |
| Cook, Illinois | 2 | $ 460,000 | $ 230,000 | $ 49,000 |
| Wyandotte, Kansas | 2 | $ 148,000 | $ 74,000 | $ 202,000 |
| Buchanan, Missouri | 2 | $ 104,000 | $ 52,000 | $ 64,000 |
| Franklin, Missouri | 2 | $ 669,000 | $ 334,500 | $ 128,000 |
| Los Angeles, California | 1 | $ 100,000 | $ 100,000 | $ 2,403,000 |
| Fairfield, Connecticut | 1 | $ 2,500,000 | $ 2,500,000 | $ 737,000 |
| Broward, Florida | 1 | $ 1,260,000 | $ 1,260,000 | $ 1,038,000 |
| Lee, Florida | 1 | $ 139,000 | $ 139,000 | $ 142,000 |
| Orange, Florida | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Sumter, Florida | 1 | $ 138,000 | $ 138,000 | $ 676,000 |
| Fulton, Georgia | 1 | $ 650,000 | $ 650,000 | $ 144,000 |
| Macoupin, Illinois | 1 | $ 86,000 | $ 86,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 56,000 | $ 56,000 | $ 26,000 |
| Leavenworth, Kansas | 1 | $ 93,000 | $ 93,000 | $ 55,000 |
| Plymouth, Massachusetts | 1 | $ 342,000 | $ 342,000 | $ 148,000 |
| Charlevoix, Michigan | 1 | $ 1,500,000 | $ 1,500,000 | $ 3,918,000 |
| Bates, Missouri | 1 | $ 122,000 | $ 122,000 | $ 81,000 |
| Boone, Missouri | 1 | $ 122,000 | $ 122,000 | $ 113,000 |
| Clinton, Missouri | 1 | $ 180,000 | $ 180,000 | $ 83,000 |
| Crawford, Missouri | 1 | $ 230,000 | $ 230,000 | $ 60,000 |
| Johnson, Missouri | 1 | $ 68,000 | $ 68,000 | $ 635,000 |
| Livingston, Missouri | 1 | $ 52,000 | $ 52,000 | $ 28,000 |
| Morgan, Missouri | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Phelps, Missouri | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Ray, Missouri | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Scott, Missouri | 1 | $ 60,000 | $ 60,000 | $ 63,000 |
| Warren, Missouri | 1 | $ 332,000 | $ 332,000 | $ 305,000 |
| Madison, Montana | 1 | $ 1,850,000 | $ 1,850,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 112,000 | $ 112,000 | $ 114,000 |
| Clark, Nevada | 1 | $ 641,000 | $ 641,000 | $ 2,403,000 |
| Onondaga, New York | 1 | $ 550,000 | $ 550,000 | $ 172,000 |
| Washington, New York | 1 | $ 246,000 | $ 246,000 | $ 141,000 |
| Oklahoma, Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 471,000 |
| Aransas, Texas | 1 | $ 380,000 | $ 380,000 | $ 42,000 |
| Guadalupe, Texas | 1 | $ 126,000 | $ 126,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 293 | $72,928,000 | $248,000 | $2,500,000 | $148,000 | $2,403,000 |
| Refinancing | 231 | $71,639,000 | $310,000 | $8,250,000 | $149,000 | $3,918,000 |
| Home Improvement | 29 | $6,367,000 | $219,000 | $1,360,000 | $234,000 | $870,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 414 | $108,796,000 | $262,000 | $2,500,000 | $173,000 | $3,918,000 |
| Not applicable | 89 | $30,098,000 | $338,000 | $8,250,000 | $0 | $0 |
| Not Provided | 26 | $6,226,000 | $239,000 | $850,000 | $182,000 | $1,564,000 |
| Asian | 11 | $4,079,000 | $370,000 | $1,000,000 | $642,000 | $2,403,000 |
| Black or African American | 7 | $917,000 | $131,000 | $283,000 | $46,000 | $69,000 |
| Hispanic | 6 | $818,000 | $136,000 | $250,000 | $127,000 | $546,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 550 | $150,533,000 | $273,000 | $8,250,000 | $153,000 | $3,918,000 |
| FHA-insured (Federal Housing Administration) | 3 | $401,000 | $133,000 | $167,000 | $132,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 409 | $101,790,000 | $248,000 | $2,500,000 | $157,000 | $3,918,000 |
| Application Denied By Financial Institution | 56 | $12,929,000 | $230,000 | $1,100,000 | $95,000 | $404,000 |
| Application Approved But Not Accepted | 44 | $15,793,000 | $358,000 | $1,838,000 | $226,000 | $2,339,000 |
| Application Withdrawn By Applicant | 38 | $19,416,000 | $510,000 | $8,250,000 | $118,000 | $635,000 |
| Preapproval Denied by Financial Institution | 3 | $516,000 | $172,000 | $300,000 | $88,000 | $226,000 |
| Preapproval Approved but not Accepted | 2 | $350,000 | $175,000 | $200,000 | $82,000 | $100,000 |
| File Closed For Incompleteness | 1 | $140,000 | $140,000 | $140,000 | $42,000 | $42,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 2 | $456,000 | $228,000 | $300,000 | $233,000 | $241,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $107,000 | $107,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Enterprise Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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